Save on 2015 Chevrolet City Express Insurance Quotes

Want the cheapest auto insurance rates for your Chevrolet City Express? Are you tired of scraping the payment together to insure your Chevy every month? Your situation is no different than millions of other consumers. Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive lowest rate

How to Compare Auto Insurance Quotes

Finding cheaper 2015 Chevy City Express auto insurance prices can be quick and easy. The only thing you need to do is invest a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form saves time by eliminating a different quote to each individual auto insurance company. In just a few minutes this one form compares rates from all major companies.
  • A less efficient way to get quotes online consists of visiting the website for every company you want to comare to request a price quote. For example, we’ll pretend you want comparison quotes from Farmers, Liberty Mutual and Progressive. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, be sure to compare apples-to-apples quote information for each price quote. If you have different limits and deductibles on each one then you won’t be able to make an equal comparison.

Is there deception in advertising?

Consumers get pounded daily by advertisements for car insurance savings by Progressive, Allstate and Geico. All the companies say the same thing about savings after switching to their company.

How do they all make almost identical claims?

All companies have a preferred profile for the type of customer that makes them money. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and drives newer vehicles. Any driver who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for the “perfect” profile will have to pay higher prices and ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the savings.

Because of the profiling, you need to compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

Discounts mean cheaper 2015 Chevy City Express insurance rates

Car insurance is not cheap, but you may find discounts to help offset the cost. Some trigger automatically when you get a quote, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Defensive Driving Course – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Accident Forgiveness – Certain companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on City Express insurance than drivers with accidents.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

For a list of insurers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When buying the best car insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Am I insured when driving a different vehicle?
  • If my pet gets injured in an accident are they covered?
  • Should I put collision coverage on all my vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my Chevy City Express covered if I use it for business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance coverages explained

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy City Express.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive car insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a deer, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, medical services and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, X-ray expenses, prosthetic devices and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

In Summary

In this article, we presented a lot of techniques to get a better price on 2015 Chevy City Express insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a lesser-known regional company. These companies may have significantly lower rates on certain market segments compared to the large companies like Geico and State Farm.

Discount insurance is possible from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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